Below are just some of the unique niche Mortgage Products we have available for those that have unique situations. Of course we have standard Mortgage Loans available for 30 year, 20 year, 15 year fixed and 3/1, 51/ and 7/1 ARMs. Contact us today to see which product best fits your needs.

Unique Product Line*

Client Advantage

HARP 2.0

Fannie Mae or Freddie Mac loan required. No appraisal needed in most situations, minimal income verification, flexible LTV (owe more than your home is worth is Okay!), historically low rates.

Reverse Mortgage Refinance – Retire easy and use your home’s equity. Many Seniors 62 and older are withdrawing Lines of Credit or eliminating their existing mortgage P&I payments* with a Government insured GFM reverse mortgage, with no income requirements.

Reverse Mortgage Purchase - Buy twice the house with half the money with a Government insured GFM reverse mortgage, with no required P&I payments*.

* Homeowners are still responsible for Taxes, Insurance and Maintenance.

This material is not from HUD or FHA and has not been approved by HUD or any government agency.

Refi Plus and Open Access

Loans available for your existing customers who are upside down

Jumbos--ARMS

Loans greater then $417K at low rates; also no MI up to 90%

Builder Abatement

Help builder’s sell homes, and the buyer gets 4-6 months with no mortgage payments. WOW!

Construction Loans

80% LTV up to $900k, can have 90%LTV with second loan!

VA

Use your VA loan to buy a home with no down payment. The Department of VA recently increased the Maximum Guaranty Amount for veteran home loans. VA certificate of eligibility required.

FHA 203(b)

FHA Loan Section 203(b) is the most popular FHA program. You may use this program to purchase new or existing 1-4 family homes, condos or townhomes, in both urban and rural areas. A section 203(b) fixed mortgage may be repaid in monthly payments over 15 or 30 years. Interest rates on FHA loans are generally slightly higher than market rates, while down payment requirements are lower than conventional loans. Down payments can be as low as 3.5 percent. In many cases, closing costs can be wrapped into the mortgage. Everyone, who has a satisfactory credit record (FICO 580+), enough cash to close the loan, and sufficient income to make monthly mortgage payments can be approved for a section 203(b) mortgage.

FHA 203(k)

The 203(k) program is for the rehabilitation and repair of single family properties. The borrower can obtain a mortgage loan at a long-term fixed (or adjustable) rate, to finance both the purchase and the repair / rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work.

FHA EEM (Energy Efficient Mortgage)

Energy Efficient Mortgages are used to make energy-efficient improvements in single family or two-unit existing and new homes. The improvements can be included in a borrower's mortgage only if their total cost is less than the total dollar value of the energy that will be saved during their useful life. (See Energy Audit for how to determine this) The cost of the improvements that may be eligible for financing as part of the mortgage is either 5 percent of the property's value (not to exceed $8,000) or $4,000, whichever is greater. Click for detailed EEM information

To contact an EEM Mortgage specialist, simply Click Here to send an email. We will contact you quickly.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.